Yeah like, you've shown to me that I've only ever heard of the bad cases, but there are cases where it actually works.

My new opinion is it's a necessary evil like how charities are, in a perfect world they should not need to exist as social policies will meet the needs of the people. But in the imperfect world we actually live in, those needs are not met, and so charities have to pick up the slack.

Same for HOA, USA and some of the less socialist parts of EU need them, cause the gov aren't doing their fucking job, so somebody needs to do it.